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Texas Community Bancshares, Inc.

TCBS

Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B., providing a range of community-oriented financial services.

Market cap
$49.27M+2.8%
Revenue$17.4M+14.3%
Net income$3.3M+52.3%
Free cash flow$2.3M+1,593%
EPS (diluted)$1.21+63.5%
Trailing twelve months · change vs. prior year

Earnings

Q2 2026 report

August 11, 2026

Next report

Date not yet announced

Financials

Q2 2026

Income statement

See full
Revenue$4.4M+17.5%
Net income$970.0K+43.1%
EPS (diluted)$0.35+52.2%

Balance sheet

See full
Cash & equivalents$7.2M-36.0%
Total equity$55.2M+4.4%
Total assets$444.3M+0.1%

Cash flow

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Operating cash flow$1.4M+36.1%
CapEx$585.0K+216%
Free cash flow$786.0K-4.4%

Valuation & ratios

Valuation

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Market cap$49.27M+2.8%
P/E14.8×
P/S2.8×-0.4×

Profitability

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Net margin19.1%
FCF margin13.3%+12.4pp

Returns & leverage

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Return on equity6.2%

Competitors

Profile

Texas Community Bancshares, Inc. operates as the bank holding company for Mineola Community Bank, S.S.B., providing a range of community-oriented financial services. The company focuses on gathering retail deposits from the general public and investing those funds into residential and commercial real estate loans, as well as consumer and business lending. Its core value proposition centers on personalized relationship banking within its local Texas markets.

Competitive position

A community-focused financial institution emphasizing local market expertise and traditional mortgage lending in East Texas.

GeographiesUnited States, Texas
Customer segmentsRetail Consumers, Small and Medium Enterprises (SME), Real Estate Developers
Business modelInterest Spread, Relationship Banking
SuppliersFederal Reserve System, Federal Home Loan Bank (FHLB), Core Banking Software Providers, Credit Rating Agencies
CustomersResidential Homebuyers, Commercial Property Owners, Local Small Businesses, Retail Savers
Listed2021
Employees67.0
CEOJason Sobel
FilingsSEC EDGAR

FAQ

What is Texas Community Bancshares, Inc.'s market cap?
Texas Community Bancshares, Inc. (TCBS) has a market capitalization of $49.3M and trades on NASDAQ.
What is Texas Community Bancshares, Inc.'s revenue and profitability?
Texas Community Bancshares, Inc. generated $17.4M in trailing twelve-month revenue with net income of $3.3M, representing a net margin of 19.1%, with free cash flow of $2.3M. The latest reported period is Q2 2026.
Who are Texas Community Bancshares, Inc.'s competitors?
Texas Community Bancshares, Inc.'s key competitors include Prosperity Bancshares, Southside Bancshares, JPMorgan Chase & Co., and others. These companies compete in similar markets and product categories.
Who does Texas Community Bancshares, Inc. partner with?
Texas Community Bancshares, Inc.'s notable partners include Federal Home Loan Bank of Dallas, Mastercard.
What subsidiaries does Texas Community Bancshares, Inc. have?
Texas Community Bancshares, Inc.'s subsidiaries include Mineola Community Bank, S.S.B..
Where is Texas Community Bancshares, Inc. headquartered?
Texas Community Bancshares, Inc. is headquartered in United States of America and employs approximately 67 people. It has been publicly traded since 2021.